Don't sleep on your retirement plan

Recently, a reader informed me of a curious issue with their NPS account. After two years of inactivity, their account had frozen. They hadn’t avoided making contributions on purpose; instead, life just became tougher. A family emergency here, a job change there, can rattle anyone. As a result, it became challenging to maintain their obligation to save up for retirement. Sadly, this problem is all too common, with thousands of NPS subscribers raising the same issue of a frozen account. It’s unfortunate that a retirement scheme meant to secure your future becomes inaccessible just when you’re ready to start contributing again. The irony isn’t lost on me. The good news is that you can unfreeze your account entirely online. No need to worry about branch visits or stacks of paperwork. The process is truly effortless. And I’ll walk you through it quickly. It's simpler than you think. Steps to revive your NPS account Step 1: Log in to the official eNPS portal Go to the NSDL/Protean CRA website at enps.nsdl.com/eNPS. Use this official portal for security and speed—avoid third-party sites. Log in with your PRAN, date of birth, and subscriber type. In case you’ve forgotten your password. Use 'forgot password' or contact CRA support if your mobile or email has changed. Step 2: Navigate to 'contribute now' Once inside, click the 'contribution' section. If your account is frozen,